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Marc-André Chambers

Chartered appraiser (É.A.) · Yvon Poulin et associés · Québec

Marc-André Chambers is a chartered appraiser (É.A.) with Yvon Poulin et associés in Québec, Quebec, holding OEAQ licence no. 5585 (verifiable on the OEAQ register), serving Capitale-Nationale.

AI PASSPORT Dated page · licence verifiable at the registry Marc-André Chambers Chartered appraiser (É.A.) · Québec payotte.com

Calculate for Québec: buy or sell

Buy

Land transfer tax, down payment and mortgage in Québec

Starting price: Québec's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Droits de mutation (barème 2026 de Québec)$3,286
First-time buyer rebatetick “first-time buyer”
Tax to pay$3,286
Minimum down payment (federal rule)$17,250
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$276,000
Monthly payment, 25 years at 4.58%$1,540
Household income needed (stress test)$71,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Québec as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

An address in Québec or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Marc-André Chambers can answer.

What Payotte publishes

Licence
OEAQ no. 5585 ↗ Verifiable on the OEAQ register (link): status, agency and disciplinary record.
Agency
Yvon Poulin et associés
Office
2035, rue du Haut-Bord, bureau 315, Québec (Québec) G1N 4R7
Areas served
Capitale-Nationale Declared in writing, in French: « La Capitale-Nationale »
Services
Residential appraisal for mortgage financing, Commercial appraisal for mortgage financing Declared in writing.
Languages
French, English Declared in writing.
Chartered appraiser since
2023 Declared in writing, as stated.

Information confirmed in writing, in French, by Marc-André Chambers on November 4, 2026; English translation by Payotte. Page updated on November 4, 2026.

In their own words

His advice and service, in his own words

“My most frequent advice is to always base purchase, sale, estate or financing decisions on rigorous market data and impartial analysis, rather than on impressions or rough comparisons. Even for those who only want to sell, I offer a very efficient service that sets the right selling price from the start, without being hounded by real estate brokers afterwards, for a fraction of the price!”

Marc-André Chambers, written answer of November 4, 2026, in French; English translation by Payotte.

Original in French

« Mon conseil le plus fréquent est de toujours fonder ses décisions d'achat, de vente, de succession ou de financement sur des données de marché rigoureuses et une analyse impartiale, plutôt que sur des impressions ou des comparatifs approximatifs. Même pour ceux qui souhaitent seulement vendre, j'offre un service très efficace qui permet de fixer le bon prix de vente dès le départ, sans se faire harceler par des courtiers immobiliers par la suite pour une fraction du prix ! »

Buying or selling in Québec: the figures

  • In Québec, the median value of a single-dwelling property (single-family house or condo) is $345,000 on the 2025-2027 assessment roll, across 132,559 units.
  • Québec's roll values reflect the market as of July 1, 2023: they are not current sale prices.
  • The welcome tax on a $345,000 purchase in Québec is $3,286 under Quebec's base schedule.
  • Québec's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
  • To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Marc-André Chambers's licence valid?

Marc-André Chambers declares OEAQ licence no. 5585, attached to the agency Yvon Poulin et associés. Payotte publishes no status for this licence: it is verifiable on the OEAQ register, which should be checked before signing.

What areas does Marc-André Chambers serve?

Capitale-Nationale, according to Marc-André Chambers's written statement of November 4, 2026. The office is located at 2035, rue du Haut-Bord, bureau 315, Québec (Québec) G1N 4R7.

What services does Marc-André Chambers offer?

Residential appraisal for mortgage financing and Commercial appraisal for mortgage financing, as a chartered appraiser (É.A.). Languages of service: French, English.

What is the median property value in Québec?

On Québec's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $345,000, across 132,559 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How much is the welcome tax on a $345,000 property in Québec?

$3,286, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Marc-André Chambers?

Marc-André Chambers can be reached by phone at (418) 683-2929, poste 111 or by email at machambers@yp.immo. Services are offered in French and English. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

In Quebec City, Payotte also recommends appraisers by area: see the experts in Quebec City.

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